Кeywords: electronic money, crypto Currency, capitalization, electronic wallet, stock exchange of currencies.E-money is a brand new phenomenon in the global economy. They are digital (virtual) currency, ciphered information where the cryptography method is used. At present, cryptanalysis is used both in speculative transactions in financial markets and in the real sector, particularly in retail trade. In other words, electronic money is already making thDifferent countries have different approaches to cryptoalways. From this point of view countries can be divided into three groups: Countries where electronic money is encouraged, countries with cautious approach and restrictive or prohibitive countries. Though the attitude toward these currencies is different in different countries and is often diametrically opposed, many people think that in the near future electronic money will continue to spread and those countries that will hinder it will remain in their development.